About
About Owoye
Owoye is a personal financial intelligence platform that gives you a clear view of your money across multiple bank accounts.
The problem we built Owoye to solve
Most people and businesses don't bank with just one institution. Money ends up spread across several accounts, with no single place that shows the real total, the real spending pattern, or what's actually safe to spend once bills and savings goals are accounted for. That fragmentation — not a lack of discipline — is usually the real reason financial clarity is hard to get. Owoye exists to bring that picture back together.
Who Owoye is for
Owoye is built for people managing money across multiple bank accounts — Nigerian SME owners juggling business and personal accounts, freelancers billing clients in different currencies, and individuals who just want one honest answer to "where does my money stand?" instead of checking several banking apps separately.
What's different about Owoye
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Safe to Spend. Not just a balance — what you can actually spend after upcoming commitments and reserved money.
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Kara, an AI assistant. Ask real questions about your real numbers, and let Kara draft actions like reminders for you to confirm.
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Kara on WhatsApp. The same assistant, in the app you already use to talk to customers and suppliers.
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Read-only bank connections. Owoye can see your balance and transactions through Mono’s regulated open banking network — it can never move your money.
Get in touch
Questions about Owoye? Reach us at support@owoye.com. You can also read our Privacy Policy and Terms of Service.
Take control of your business finances today.
Connect your accounts, send invoices that get paid faster, and let Kara handle the analysis — built for Nigerian SMEs, from day one.